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United Fidelity Bank, FSB
Evansville, IN · FDIC Certificate #29566 · Chartered 01/0
Total assets
$6.49B
Total deposits
$5.62B
Total equity
$652.53M
Net loans
$3.35B
Branches (offices)
22
Net income (YTD)
-$2.79M
Rank: #238 of 4,213 U.S. banks by assets · #9 of 87 in Indiana. Assets changed 2.0% and deposits 1.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | -0.09% |
| Return on equity | -0.86% |
| Net interest margin (YTD) | -0.46% |
| Equity to assets | 10.05% |
| Tier 1 leverage ratio | 10.16% |
| Uninsured deposits (share of deposits) | 17.2% |
| Noncurrent loans (share of loans) | 0.49% |
| Net charge-offs (share of loans) | 0.01% |
| Loans to deposits | 59.7% |
| Real estate loans (share of loans) | 101.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $3.40B | 101.4% | |
| Commercial & industrial | $23.40M | 0.7% | |
| Consumer / individual | $2.40M | 0.1% | |
| Construction & development | $4.12M | 0.1% | |
| Agricultural | $173.00K | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $4.17B | $3.47B | $69.37M | $360.16M |
| Jun 2023 | $6.21B | $5.12B | $45.89M | $511.29M |
| Jun 2024 | $6.38B | $5.47B | $23.03M | $595.39M |
| Jun 2025 | $6.37B | $5.54B | -$12.60M | $604.46M |
| Jun 2026 | $6.49B | $5.62B | -$2.79M | $652.53M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Indiana | $4.27B | 9 |
| Florida | $668.23M | 3 |
| U.S. Virgin Islands | $325.05M | 2 |
| Illinois | $232.50M | 6 |
| Colorado | $131.46M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $5.62B.
Similar-sized banks
Trustco Bank ($6.52B) · Choice Financial Group ($6.38B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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